What right does a health care power of attorney holder have?

A health care power of attorney holder is primarily designated to make medical decisions on behalf of an individual who is unable to do so due to health reasons, such as losing consciousness or being incapacitated. This role is crucial when immediate medical decisions need to be made, and the individual has previously designated someone to take on this responsibility.

The correct choice reflects the core function of a health care power of attorney, which is to ensure that the person's medical preferences and care decisions are honored even when they cannot communicate those wishes themselves. This legal provision empowers the designated person to interact with medical professionals, provide consent for treatments, and make choices about the individual's medical care based on previously expressed wishes or best interests.

In contrast, the other options pertain to areas outside the typical responsibilities of a health care power of attorney holder, such as financial decisions, accessing medical records without boundaries, or making decisions about life insurance policies. These responsibilities often fall under different legal documents or powers of attorney that focus on financial matters rather than health care.